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Credit Cards · India

Flipkart Axis Bank Credit Card

Updated 5 Jul 2026Source-linked

The Flipkart Axis Bank Credit Card is a entry co-branded credit card from Axis Bank and Flipkart, with a joining fee of ₹500 + GST.

It earns up to 7.5% on Flipkart spends in the form of cashback.

Welcome benefit: Flipkart voucher worth ₹250.

Axis Bank logo
Flipkart Axis Bank Credit Card
Mastercard logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForOnline shopping
  • Reward TypeCashback
Rewards Rate
  • 7.5% on myntra (cap 4000 cashback inr / quarterly)
  • 5% on flipkart (cap 4000 cashback inr / quarterly)
  • 5% on cleartrip (cap 4000 cashback inr / quarterly)
  • Base 1.00% on other spends
Welcome Benefits
  • Flipkart voucher worth ₹250
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
7.5% on myntra (cap 4000 cashback inr / quarterly)
5% on flipkart (cap 4000 cashback inr / quarterly)
5% on cleartrip (cap 4000 cashback inr / quarterly)
Base 1.00% on other spends.
Reward Redemption
Credited to next statement.
Welcome Benefits
Flipkart voucher worth ₹250
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo

    Online shopping — earns base; accelerated rate needs booking via myntra

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo

    Travel & hotels — earns base; accelerated rate needs booking via cleartrip

  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,520/yr

₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹3,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.00% per month (36.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by Axis Bank and Flipkart.
  • Joining / annual fee of ₹500 + GST, waived on annual spends of ₹3,50,000.
  • Available on the Mastercard network.

Pros & Cons

Pros
  • Annual fee waivable on ₹3,50,000 spend.
  • Accelerated earn worth ≈7.5% on myntra.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹250 welcome benefit

  • Flipkart voucher worth ₹250
    Card activation
    Window: 30 days from issuance.

Accelerated rewards

  • 7.5% on myntra (cap 4000 cashback inr / quarterly)
    Merchants: myntra
    7.5% cashback on Myntra spends, capped at ₹4,000 per statement quarter.
  • 5% on flipkart (cap 4000 cashback inr / quarterly)
    Merchants: flipkart
    5% cashback on Flipkart, capped at ₹4,000 per statement quarter.
  • 5% on cleartrip (cap 4000 cashback inr / quarterly)
    Merchants: cleartrip
    5% cashback on Cleartrip, capped at ₹4,000 per statement quarter.
  • 4% on preferred merchants
    Merchants: swiggy, pvr, uber, cult.fit
    4% cashback on preferred merchants.
Capping rules
  • The 4% preferred-merchants cashback (Swiggy/Uber/PVR/cult.fit bucket) is explicitly 'Unlimited' in the Flipkart Axis cashback T&C capping table (retrieved 2026-07-05); the ₹4,000/statement-quarter caps apply only to Flipkart/Myntra/Cleartrip. High confidence.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi
  • insurance premiums

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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